Personal Solutions

We enjoy working with our clients using a comprehensive review system to help insure they maximize their financial program (model). We do this by analyzing the following three key components of a client’s personal financial model:

• Protection component
• Savings component
• Investment component

By going through this process, our clients are able to analyze each piece of their financial model, to better coordinate the various facets of their financial model, and often to improve their financial or economic efficiency by implementing various strategies.

We recognize that every client might not elect to go through the above process. Therefore, we also work with clients to help them meet specific needs and objectives involving a variety of financial products and services. Those products and services are as follows:

Insurance Products

• Life Insurance
• Disability Income Insurance
• Long Term Care Insurance
• Health Insurance

Investment Planning Options

• Mutual Funds
• Securities Brokerage Services
• Annuities
• Managed Money Accounts

Wealth Management

• BNY Mellon
• The MassMutual Trust Company, FSB
• Managed Accounts
• eMoney Financial Planning System (Click here for demo)

Retirement Funding Options

• Non Qualified
• Traditional IRA
• Roth IRA

College Funding Techniques

• 529 Plans
• Coverdell IRA
• Custodial Accounts

Strategies for Retirement

Estate Planning

Asset Protection Strategies